Are you trying to qualify for a loan modification?
Just fill out the form to your right to get started. Our quick online form will determine if you are a candidate for a loan modification program - for modified rates as low as 2%!
We have included our easy to use loan modification calculator, which will tell you if you qualify for a loan modification and what your new payment would be. Just answer a few questions, input your totals and it will tell you what your monthly payment would be if you were to qualify for a loan modification. If that payment looks affordable to you, just fill out the form above for assistance in getting approved.
No information is collected or stored, it is just a free calculator.
The results from this calculator are an estimate based on current guidelines only, results are not a guarantee. Your lender will ultimately decide what your payment will be if approved.
Do you need to stop a foreclosure sale (for those who have a sale date)?
If your sale date is within a few weeks time or sooner, do not wait. Call 888-766-3693 for immediate assistance. If your sale date is farther out or you just received an NOD notice, you can fill out the form above to get started. There are many ways to stop a foreclosure sale and we can find the one that works best for you.
We are here to help
The statistics are quite scary; more than 90% of homeowners who attempt to qualify for a mortgage loan modification on their own fail. Many times, it just takes a modification specialist to understand what the bank is requiring for documentation and how to complete the information. One seemingly minor mistake could be the difference between you being denied or approved!
If You're Afraid You May Lose Your Home...A Loan Modification Service Could Be Just The Help You Need
If you're facing the real possibility of losing your home, you've got to start working on a solution now. The longer you wait the more difficult it will be to save your home.
It's a tough time for you and your family. But you can't put your head in the sand and hope things work out. You've got to take the steps to resolve your financial situation.
What Can You Do To Save Your Home?
If you can no longer pay your monthly mortgage payment or you've already missed a mortgage payment...try not to panic. Yes it's a serious situation but there are options to consider. A loan modification service can work on your behalf to help you keep your home and lower monthly payments.
How Does A Loan Modification Service Help You?
A loan modification service is experienced in every aspect of the modification process. The application process alone can be intimidating to most homeowners. Let's take a look at specific ways a loan modification service can help you.
Application Assistance
Applying for modification requires a huge amount of documentation. Including, expense and income reports, hardship letter, proof of income, billing statements, employment information...the list is long. Honestly, the documentation requirement could overwhelm anyone. Unfortunately, missing just one of these documents will get you quickly denied. This is where a loan modification service can be a great help.
They can literally hold your hand and walk you through the application step by step or take care of the whole process for you. They can answer any questions you may have about the process. A representative can keep track of your paper work and can advise you and your lender if anything is missing or incomplete, taking care to forward any documents your lender requires immediately.
Negotiations
A critical part of the loan modification process is being able to negotiate. Even though your lender is open to a modification, they still want to get the better side of the deal. Our goal as a service is to get the best deal for you to keep your home and be able to afford your monthly payments.
Loan modification services are experienced in the area of negotiations. Dealing with the same lender over and over, you get to know exactly what your lender requires for approval. We also know the laws regarding loan modification. The most common scenarios include negotiating a lower monthly payment, lower interest, or to get your loan terms extended. A combination of these terms is also possible.
Unless you are absolutely sure you can negotiate the terms of your loan modification on your own, you may want hire a loan modification service or at least speak with one to see what your options are. There are so many things that can go wrong, unless you understand how the process works you can end up getting your modification denied.
Communicate With Your Lender
The process doesn't stop when you submit your application. Follow up phone calls, are a necessity. Constant contact with your lender is very very important. Do you have the time and patience? Are you sure you can address any issue a lender may have with your application? The wrong answer to a specific question or not sure about certain documentation can result in delays or application denied.
A loan modification service is prepared and ready for these kinds of situations. It's what we do on a daily basis. On your behalf we can answer any questions from your lender. In the event, further documentation is required, a loan modification service will contact you and tell you in plain English what is needed. You won't have to be confused when a lender communicates in a lot of terms you may not be familiar with.
Hiring a loan modification service means you've got someone in your corner fighting for you. Fill out the form above or call 888-766-3693 Mon-Fri to discover your options!
For more information, visit our blog! Here is a link to a popular post -->Tips To Qualify For A Loan Modification.
*This is not a government website. Please note that ultimately, it is up to your lender to approve and set the terms of your loan work-out, which are based on the information that you provide. Workout options with your Lender may include modifications, in-house modification, forbearance, special forbearance, repayment plan or, deed in lieu or a short sale.
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